Legal analysis: If it is overdue, there will not only be a late payment fee of 5% for the minimum unpaid part, but also a full penalty interest on the bill (the daily interest rate is 0.5 ‰, and interest will be accrued on the day of consumption, and the interest will be recovered monthly until the principal and interest are paid off), and there will be a bad credit record in the Credit Information Center of China People's Bank, and it will be difficult to apply for credit cards and bank loans within five years. If the payment is overdue for more than three months or the bank reminds you twice, the bank will freeze the card and list it as a prohibited customer (blacklist). At the same time, credit cards and malicious overdrafts are enforced. If you refuse to repay the loan in the later period, the amount owed exceeds 654.38+0 million, and you will be sentenced according to relevant laws!
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), anyone who engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
What is the overdue principal and interest of 2.6000 loan 10 year?
The loan term is 3 years, that is, the loan amount of 36 installments is 654.38+0.3 million, and the annual interest rate is 36.6 1.345%. The annual interest rate >: 36% repays 6000 yuan per month, with total interest of 86000 yuan and total repayment of 2 16000 yuan. Total repayment amount = monthly repayment period = 600036 = 2 16000 yuan, the upper limit of annual interest rate stipulated by the state is 36%, and the loan period is 3 years, that is, the loan amount of 36 installments is 13000 yuan, the monthly repayment is 5954.49 yuan, and the total interest is 843665438 yuan +0.76 yuan.
Third, the bank loan is not repaid for a long time, and the bank does not urge it. It has been ten years since the present 20,000 yuan. ...
Contact the loan bank directly to discuss the repayment.
For some small loans that cannot be recovered after bank dunning, banks may give up further dunning and will not ask the people, because the cost of continuing dunning is higher and the cost to the people is also high. In this case, the bank will classify the loan as "bad debt" and record it permanently in the borrower's personal credit report. The borrower will never return it, and this record will always exist.
4. Will loans overdue Bank exist for ten years?
Legal analysis of whether the repayment date will be ten years, so as long as it does not exceed twenty years, legal responsibility can also be investigated. If the two parties agree on the repayment date when lending money from the bank, the civil rights will not be protected on the repayment date, that is, they cannot be pursued.
Legal basis: Article 188 of the Civil Code of People's Republic of China (PRC) stipulates that the limitation period for requesting protection of civil rights from the people is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor and the debtor are damaged. Where there are other provisions in the law, those provisions shall prevail. After 20 years, the people will not be protected. If there are special circumstances, the people can decide to extend it according to the application of the obligee.